How it works

The Fair Credit Reporting Act made credit repair possible.  It's been done for many years. The simple fact that creditors make mistakes and often report invalid information is a major plus for today's consumer.  The creditors want to maintain their leverage over you. They want to ensure that they tell the world about your credit history. Unless they do it 100% accurately and report everything exactly as it is they do not have the legal right to report anything at all. This is the major advantage we have today.


The first step is to clean up your old credit history to make ready for your new one! Afterwards, you'll want to begin adding new accounts to your profile to begin increasing your overall score. Let's get started...

You will want to get copies of your current credit files from the three Credit Bureaus: TRW/Experian, Trans Union and Equifax.

You will then begin the process of removing negative credit from your file. Removing negative information from your three credit files is actually quite simple when done correctly with the Credit Builders Guide! We have found several ways that can help you erase Late Pays, Collection Accounts, Charge Offs, Repossessions, Foreclosures and Inquiries.

Note in some cases, such as recent Bankruptcy, unpaid Federal Tax Liens, unpaid judgments, or unpaid Child Support, the courts may be able to show all the written proof and documentation you ask for. If this happens they will still be allowed to keep the bad credit on your file. For these cases there is still hope. We'll walk you through the process online.

While the negative information is being removed from your credit files, you will then begin adding positive information to your files. This is a new way of adding real accounts to your credit files to have an Excellent Credit Rating in less than 30 days. As you know, the more positive information on your credit files the more money banks will lend you.

When you are finished you will receive new copies of your credit files showing that you have great credit. This will take less than 90 days. You will now be able to qualify for credit as long as you have a source of income.

Most of our clients were placed in a situation where they were unable to pay their creditors. This leads to a credit file showing bankruptcy, liens, judgments etc. Even though things have changed now, no-one will offer them their past credit history.